Modified Car Insurance

Prices start from £225 per year. If you’re the owner of a modified vehicle, we know you spend a lot of time, effort and money on fine-tuning it. Let Sterling find you the right insurance cover, and call directly for our best prices.

Cover your modified vehicle

Modified cars can be any make or model. Yours may be a modified classic, or a more recent model with mods that make it stand out from the crowd.

Whatever you drive, you will want a policy that covers you for the road, your modifications, and perhaps more specific needs. You may want to attend car shows or car meets, take your vehicle out on special occasions only, or customise it even more.

If you have performance enhancing modifications or cosmetic modifications, we will help you find the right cover at the right price. It can be difficult to find cheap modified car insurance, particularly if you’re a young driver or own a high performance model, so let Sterling do the searching.

The benefits of getting a policy with Sterling

Prices start from £225

Cover for any modified vehicle, including modified classics

Free cover for cosmetic modifications valued up to £1,500

Includes European cover up to 30, 60 or 90 days

Legal protection up to £100,000 included

Breakdown cover, keycare, misfuelling, windscreen (optional extras)

Claims hotline open 24/7

Prices from £225

Policies for modified cars are more specialist than standard car insurance or van insurance, and the price will vary depending on the modifications. Sterling compares quotes from more than one insurance company so you get the very best deal. Call one of our experts who will find a quote that works for you. Let us do the shopping around for you.

Free cover for up to £1,500 of cosmetic modifications

Sterling’s policies for modified vehicles includes cover for up to £1,500 worth of cosmetic modifications subject to policy selection. This should cover a decent set of alloy wheels and maybe a few other tweaks to give your vehicle a unique look. You must declare all modifications to your insurance company and keep them updated on any further work – otherwise your policy may be invalid.

Optional extras such as breakdown

Add Sterling’s home-start service and European / UK breakdown cover to your modified insurance policy. It’s ideal for keeping you on the move if you’re ever on the road and find yourself in trouble. We also offer misfuelling cover, keycare, and windscreen as optional extras.

Cover for any modified vehicle, including modified classics

A modified vehicle is one that has been updated from the factory standard in some way, whether it’s to improve the vehicle’s performance or give it a unique look. Sterling can insure any modified vehicle, and the modifications on a like-for-like basis. Special discounts are also available for Mini and Beetle owners.

European cover for up to 90 days (longer trips can be covered)

Sterling policies allow you to drive through Europe for up to 30, 60 or 90 days for free if your modified vehicle is registered in the UK. We can also help motorists with insurance paperwork – known as an insurance Green Card – for longer trips abroad. Our modified car insurance policies also includes legal protection up to £100,000.

Claims hotline is open 24/7

Sterling’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.

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What are the benefits of Sterling modified car insurance?

Our modified car insurance policies can also come with the following features.

Flexible limited mileage options for low mileage drivers.

Cover for rallies, track days and meets.

Agreed Value cover (optional).

In car entertainment cover available for your sound system.

Salvage retention.

Cover for dismantled parts.

Uninsured loss recovery for non-fault claims.

Sterling is registered in England and authorised and regulated by the Financial Standards Authority (FCA).

How can I save money on my Sterling modified car insurance?

There are a number of ways you may be able to reduce the costs of your policy.

Transfer previous No Claims Discount to your new policy. If you have managed to build a No Claims Discount, you may be able to transfer this to your new policy.

Consider a limited mileage policy. Agree a limited mileage policy if you are a low mileage driver.

Step up the security on your vehicle. Adding security alarms, electronic immobilisers or trackers can reduce the price of your insurance premium.

Lock your vehicle away. Keeping the car in a locked garage overnight both protects and keeps it secure.

Multi-car policies can lead to discounts. If you own different vehicles, explore insuring them all on the same policy.

Helping you once you’ve passed your test. If you are a young driver, get a black box fitted to help you improve your driving style to make you a better driver.

Join an Owner’s Club. Up to 20% discount for members of owners clubs.

Why choose Sterling modified car insurance?

A modified car can come in many forms. It may have a unique look or it may be a unique drive. At the end of the day, you want a policy that will cover your vehicle for the road.

Finding good-quality insurance cover for a modified vehicle at a sensible price is still not easy, especially so if you have a high performance model or if you are a younger driver.

Enthusiasts often find that companies claiming to insure modified cars can’t or won’t give a quote on their particular model or to drivers of their profile. Some won’t even give a quote to modders under 30.

Sterling realises custom car owners just want to be insured. So we have access to various insurance companies, and can help find you the best price.